Born in 1978

What this means for you

SPA 68 under current law; review may move this. The headline 2026/27 figure quoted above assumes you have the full 35 qualifying years and were never contracted out1.

You have around 20 years before SPA, which is enough time to add qualifying years through paid NI or Class 3 voluntary contributions.2

What to do next

1. Get your gov.uk forecast via the check vs claim guide
2. Identify any NI gaps via your gov.uk NI record3
3. Model the impact of voluntary contributions on the homepage calculator
4. Before paying, call the Future Pension Centre to confirm impact

Adjacent cohorts

• Born 1975
• State Pension Age
• Class 3 buy-back
• Forecast calculator